The “Bridge” Strategy: Using Your 401(k) to Buy a Higher Social Security Check
Confused by Social Security?
If you retire at 64 but delay Social Security until 70, how do you fill the gap? Use your 401(k) as a Bridge.
Buying an Annuity from the Government
Spending savings now to delay Social Security is like buying an 8% guaranteed annuity. It is the cheapest longevity insurance available.
Have a 401(k)?
Let’s calculate if a Bridge Strategy increases your total lifetime wealth.
Does It Work?
If you have sufficient savings, it is powerful.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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